Cross‑Border Mortgage Strategies: What Advisors Need to Know
In this webinar, we will be hearing from cross-border mortgage broker Caroline Jarrett of Audhild Lending Services about the practical realities of securing Australian mortgages when clients live and earn offshore.
Speakers
Ashley Murphy, CFP® GFP Fellow, is a tri-citizen of the USA, Australia and the UK. Ashley is the founder and Principal of Arete Wealth Strategists Australia, a fee-only financial planning and investment management firm for Australian/American expatriates in the United States and Australia.
From 2014 - 2017, Ashley taught in the CFP programs at UC Berkeley Extension and Golden Gate University. He served as a Knowledge Circle host for the Financial Planning Association's International and Cross-Border Knowledge Circle (2017 - 2019), and is a regular conference speaker. He holds a Graduate Diploma in Financial Planning in Australia making him one of the few financial advisors qualified in multiple countries. Ashley has been quoted in the Wall Street Journal and profiled in Financial Advisor Magazine.
Ashley lives with his wife Eliza, and daughters Elise & Jasmine in Minneapolis, MN. He enjoys cycling, reading and world travel. He is a futurist with interests in architecture, renewable energy and demographics.
Caroline Jarrett is the Managing Director of AUDHILD Lending Services, a Brisbane-based finance broking business specializing in complex lending scenarios for expatriates, foreign nationals, and cross-border clients. A Canadian who relocated to Brisbane with her family in 2022, Caroline brings over 18 years of investment banking and financial services experience across global markets, multiple asset classes, and regulatory jurisdictions. Her career at Goldman Sachs and Morgan Stanley in Hong Kong shaped her expertise in risk management, attention to detail, and client relationship cultivation.
Caroline's specialty lies in navigating the intricate Australian lending landscape for clients with complex financial profiles—including those with offshore income, multiple tax residencies, and international employment arrangements. As an accredited member of the MFAA (Mortgage & Finance Association of Australia) working with 40+ lenders, she is uniquely positioned to guide financial advisors through the practical realities of securing Australian mortgages for their cross-border clients.
About this webinar
In this webinar, we will be hearing from cross-border mortgage broker Caroline Jarrett of Audhild Lending Services about the practical realities of securing Australian mortgages when clients live and earn offshore. Caroline will focus solely on Australian lending and credit advice (not financial or tax advice), providing an inside look at how lenders and underwriters actually assess complex cross‑border client files and where global planners can add the most value in preparing clients.
Some of the relevant issues that will be addressed include:
- What it takes to qualify for an Australian mortgage from abroad, including common practical hurdles (proof of income, FX, time zones, documentation)
- How underwriters view offshore income, multiple tax residencies, equity compensation, employees vs business owners, and how advisors can help present a stronger application file
- Financing investment property for expats and foreign nationals, specialist lender markets, common structures, and key considerations around LVRs, interest‑only vs P&I, and appropriate deposit levels
- Using offsets vs higher deposits, managing FX and interest rate risk in cross‑border mortgage planning, and considerations for refinancing and working with buyer’s advocates for expat purchasers
We hope you can join us!
FAQs
Absolutely! These sessions are for you. Bring your questions and participate during the Q&A.
Open webinars are free to everyone and premium webinars require payment by everyone except Full and Associate members.
No worries! We will record the webinar and send the recording link.
Certainly. Just give them this website address and ask them to register.
.webp)
%2520(1).png)
%2520(1).png)